/* ==========================================================================
   SAWA CREDIT LIMITED - Corporate Institutional Stylesheet
   Design Inspiration: Bank of Kigali (bk.rw) Financial Institution Standards
   ========================================================================== */

:root {
  /* Primary Corporate Blues */
  --sawa-navy: #0A2540;
  --sawa-blue-primary: #034EA2;
  --sawa-blue-hover: #023877;
  --sawa-blue-accent: #0052CC;
  --sawa-blue-light: #EBF3FC;
  --sawa-blue-border: #C8DCF3;

  /* Neutral Shades */
  --sawa-white: #FFFFFF;
  --sawa-bg-subtle: #F8FAFC;
  --sawa-bg-muted: #F1F5F9;
  --sawa-border: #E2E8F0;
  --sawa-border-strong: #CBD5E1;
  --sawa-text-dark: #0F172A;
  --sawa-text-body: #334155;
  --sawa-text-muted: #64748B;
  --sawa-text-light: #94A3B8;

  /* Accent & Semantic */
  --sawa-green: #059669;
  --sawa-green-bg: #ECFDF5;
  --sawa-green-border: #A7F3D0;
  --sawa-amber: #D97706;
  --sawa-amber-bg: #FFFBEB;
  --sawa-amber-border: #FDE68A;
  --sawa-momo-yellow: #FFCC00;
  --sawa-momo-dark: #222222;

  /* Typography */
  --sawa-font-sans: 'Plus Jakarta Sans', 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --sawa-font-mono: ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, monospace;

  /* Elevation & Shadows (Subtle, Grounded) */
  --sawa-shadow-xs: 0 1px 2px 0 rgba(15, 23, 42, 0.05);
  --sawa-shadow-sm: 0 1px 3px 0 rgba(15, 23, 42, 0.08), 0 1px 2px -1px rgba(15, 23, 42, 0.08);
  --sawa-shadow-md: 0 4px 6px -1px rgba(15, 23, 42, 0.08), 0 2px 4px -2px rgba(15, 23, 42, 0.06);
  --sawa-shadow-lg: 0 10px 15px -3px rgba(15, 23, 42, 0.08), 0 4px 6px -4px rgba(15, 23, 42, 0.04);
  --sawa-shadow-card: 0 0 0 1px var(--sawa-border), var(--sawa-shadow-xs);
  --sawa-shadow-card-hover: 0 0 0 1px var(--sawa-blue-border), var(--sawa-shadow-md);

  /* Dimensions */
  --sawa-max-width: 1240px;
  --sawa-header-height: 80px;
  --sawa-topbar-height: 40px;
  --sawa-radius-sm: 4px;
  --sawa-radius-md: 8px;
  --sawa-radius-lg: 12px;
  --sawa-radius-xl: 16px;
  --sawa-transition: all 0.2s cubic-bezier(0.4, 0, 0.2, 1);
}

/* Reset & Base Setup */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  font-size: 16px;
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
  max-width: 100vw;
  width: 100%;
}

body {
  font-family: var(--sawa-font-sans);
  color: var(--sawa-text-body);
  background-color: var(--sawa-white);
  line-height: 1.6;
  font-weight: 400;
  overflow-x: hidden;
  max-width: 100vw;
  width: 100%;
  position: relative;
}

/* WordPress Core Overrides */
#page, .site {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  overflow-x: hidden;
  max-width: 100vw;
  width: 100%;
}

.site-content {
  flex: 1 0 auto;
}

/* Typography Hierarchy */
h1, h2, h3, h4, h5, h6 {
  color: var(--sawa-text-dark);
  font-weight: 700;
  line-height: 1.25;
  letter-spacing: -0.02em;
}

h1 { font-size: clamp(2.25rem, 4vw, 3.5rem); }
h2 { font-size: clamp(1.75rem, 3vw, 2.5rem); }
h3 { font-size: clamp(1.35rem, 2vw, 1.75rem); }
h4 { font-size: 1.25rem; }
h5 { font-size: 1.1rem; }
h6 { font-size: 0.95rem; }

p {
  margin-bottom: 1rem;
  color: var(--sawa-text-body);
}

p:last-child {
  margin-bottom: 0;
}

a {
  color: var(--sawa-blue-primary);
  text-decoration: none;
  transition: var(--sawa-transition);
}

a:hover {
  color: var(--sawa-blue-hover);
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

/* Layout Utilities */
.sawa-container {
  width: 100%;
  max-width: var(--sawa-max-width);
  margin-left: auto;
  margin-right: auto;
  padding-left: 1.5rem;
  padding-right: 1.5rem;
}

.sawa-section {
  padding-top: 5rem;
  padding-bottom: 5rem;
  position: relative;
}

.sawa-section--bg-subtle {
  background-color: var(--sawa-bg-subtle);
  border-top: 1px solid var(--sawa-border);
  border-bottom: 1px solid var(--sawa-border);
}

.sawa-section--navy {
  background-color: var(--sawa-navy);
  color: var(--sawa-white);
}

.sawa-section--navy h2, 
.sawa-section--navy h3, 
.sawa-section--navy h4 {
  color: var(--sawa-white);
}

.sawa-section--navy p {
  color: #CBD5E1;
}

/* Section Headers */
.sawa-section-header {
  text-align: center;
  max-width: 760px;
  margin: 0 auto 3.5rem auto;
}

.sawa-section-header--left {
  text-align: left;
  margin-left: 0;
  margin-right: 0;
}

.sawa-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.35rem 0.85rem;
  border-radius: 9999px;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  background-color: var(--sawa-blue-light);
  color: var(--sawa-blue-primary);
  border: 1px solid var(--sawa-blue-border);
  margin-bottom: 1rem;
}

.sawa-pill--navy {
  background-color: rgba(255, 255, 255, 0.1);
  color: #93C5FD;
  border-color: rgba(255, 255, 255, 0.2);
}

.sawa-pill--green {
  background-color: var(--sawa-green-bg);
  color: var(--sawa-green);
  border-color: var(--sawa-green-border);
}

.sawa-pill--gold {
  background-color: var(--sawa-amber-bg);
  color: var(--sawa-amber);
  border-color: var(--sawa-amber-border);
}

.sawa-section-title {
  margin-bottom: 1rem;
  font-weight: 800;
}

.sawa-section-subtitle {
  font-size: 1.125rem;
  color: var(--sawa-text-muted);
  line-height: 1.6;
}

/* ==========================================================================
   Header & Navigation
   ========================================================================== */
.sawa-topbar {
  background-color: var(--sawa-navy);
  color: #CBD5E1;
  font-size: 0.825rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.sawa-topbar__inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 0.5rem;
  padding-bottom: 0.5rem;
}

.sawa-topbar__list {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  list-style: none;
}

.sawa-topbar__item {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  color: #CBD5E1;
}

.sawa-topbar__item a {
  color: #CBD5E1;
}

.sawa-topbar__item a:hover {
  color: var(--sawa-white);
}

.sawa-topbar__momo {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background-color: rgba(255, 204, 0, 0.15);
  color: #FDE047;
  padding: 0.2rem 0.6rem;
  border-radius: var(--sawa-radius-sm);
  font-weight: 600;
  border: 1px solid rgba(255, 204, 0, 0.3);
}

.sawa-header {
  background-color: var(--sawa-white);
  border-bottom: 1px solid var(--sawa-border);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: var(--sawa-shadow-xs);
  transition: var(--sawa-transition);
}

.sawa-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--sawa-header-height);
  gap: 1.5rem;
}

.sawa-brand {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  text-decoration: none;
  flex-shrink: 0;
}

.sawa-brand__logo {
  width: 44px;
  height: 44px;
  flex-shrink: 0;
}

.sawa-brand__img-logo {
  width: 46px;
  height: 46px;
  object-fit: contain;
  border-radius: 50%;
  flex-shrink: 0;
  border: 1.5px solid var(--sawa-border);
  background-color: var(--sawa-white);
  padding: 1px;
}

.sawa-brand__text {
  display: flex;
  flex-direction: column;
}

.sawa-brand__title {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--sawa-navy);
  letter-spacing: -0.01em;
  line-height: 1.1;
  white-space: nowrap;
}

.sawa-brand__tagline {
  font-size: 0.725rem;
  font-weight: 600;
  color: var(--sawa-blue-primary);
  letter-spacing: 0.05em;
  text-transform: uppercase;
  white-space: nowrap;
}

.sawa-nav {
  display: flex;
  align-items: center;
  margin-left: auto;
  margin-right: 2rem;
}

.sawa-nav__list {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  list-style: none;
}

.sawa-nav__link {
  color: var(--sawa-text-dark);
  font-size: 0.875rem;
  font-weight: 600;
  padding: 0.5rem 0;
  position: relative;
  transition: var(--sawa-transition);
  white-space: nowrap;
  letter-spacing: -0.01em;
}

.sawa-nav__link:hover,
.sawa-nav__link.active {
  color: var(--sawa-blue-primary);
}

.sawa-nav__link::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0%;
  height: 2px;
  background-color: var(--sawa-blue-primary);
  transition: width 0.2s ease;
}

.sawa-nav__link:hover::after,
.sawa-nav__link.active::after {
  width: 100%;
}

.sawa-nav__mobile-actions {
  display: none;
}

.sawa-header__actions {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  flex-shrink: 0;
}

.sawa-mobile-toggle {
  display: none;
  background: none;
  border: 1px solid var(--sawa-border);
  padding: 0.45rem;
  border-radius: var(--sawa-radius-sm);
  color: var(--sawa-navy);
  cursor: pointer;
  align-items: center;
  justify-content: center;
}

/* ==========================================================================
   Buttons & CTAs
   ========================================================================== */
.sawa-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.75rem 1.4rem;
  font-size: 0.95rem;
  font-weight: 700;
  border-radius: var(--sawa-radius-sm);
  border: 1px solid transparent;
  cursor: pointer;
  text-decoration: none;
  transition: var(--sawa-transition);
  line-height: 1.25;
  white-space: nowrap;
}

.sawa-btn:focus-visible {
  outline: 2px solid var(--sawa-blue-accent);
  outline-offset: 2px;
}

.sawa-btn--primary {
  background-color: var(--sawa-blue-primary);
  color: var(--sawa-white);
  border-color: var(--sawa-blue-primary);
}

.sawa-btn--primary:hover {
  background-color: var(--sawa-blue-hover);
  border-color: var(--sawa-blue-hover);
  color: var(--sawa-white);
  box-shadow: var(--sawa-shadow-sm);
}

.sawa-btn--secondary {
  background-color: var(--sawa-white);
  color: var(--sawa-navy);
  border-color: var(--sawa-border-strong);
}

.sawa-btn--secondary:hover {
  background-color: var(--sawa-bg-subtle);
  border-color: var(--sawa-blue-primary);
  color: var(--sawa-blue-primary);
}

.sawa-btn--outline-white {
  background-color: transparent;
  color: var(--sawa-white);
  border-color: rgba(255, 255, 255, 0.4);
}

.sawa-btn--outline-white:hover {
  background-color: rgba(255, 255, 255, 0.1);
  border-color: var(--sawa-white);
  color: var(--sawa-white);
}

.sawa-btn--whatsapp {
  background-color: #25D366;
  color: #FFFFFF;
  border-color: #25D366;
}

.sawa-btn--whatsapp:hover {
  background-color: #20BA5A;
  border-color: #20BA5A;
  color: #FFFFFF;
}

.sawa-btn--lg {
  padding: 0.95rem 1.85rem;
  font-size: 1.05rem;
}

.sawa-btn--sm {
  padding: 0.5rem 0.9rem;
  font-size: 0.85rem;
}

.sawa-btn--full {
  width: 100%;
}

/* ==========================================================================
   Hero Section
   ========================================================================== */
.sawa-hero {
  background: linear-gradient(180deg, #FFFFFF 0%, #F8FAFC 100%);
  padding-top: 4.5rem;
  padding-bottom: 5rem;
  border-bottom: 1px solid var(--sawa-border);
  position: relative;
}

.sawa-hero__grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 3.5rem;
  align-items: center;
}

.sawa-hero__headline {
  margin-bottom: 1.25rem;
  color: var(--sawa-navy);
  font-weight: 800;
  line-height: 1.15;
}

.sawa-hero__mission {
  font-size: 1.15rem;
  color: var(--sawa-text-body);
  line-height: 1.7;
  margin-bottom: 2rem;
  max-width: 620px;
}

.sawa-hero__ctas {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 1rem;
  margin-bottom: 2.5rem;
}

.sawa-hero__trust-strip {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  padding-top: 2rem;
  border-top: 1px solid var(--sawa-border);
}

.sawa-hero__trust-item {
  display: flex;
  flex-direction: column;
}

.sawa-hero__trust-stat {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--sawa-navy);
  line-height: 1.2;
}

.sawa-hero__trust-label {
  font-size: 0.8rem;
  color: var(--sawa-text-muted);
  font-weight: 500;
}

/* Quick Card in Hero */
.sawa-hero-card {
  background: var(--sawa-white);
  border: 1px solid var(--sawa-border);
  border-radius: var(--sawa-radius-lg);
  overflow: hidden;
  box-shadow: var(--sawa-shadow-md);
  position: relative;
}

.sawa-hero-card__media {
  position: relative;
  width: 100%;
  height: 190px;
  overflow: hidden;
  background: #0A2540;
}

.sawa-hero-card__img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.sawa-hero-card__badge-overlay {
  position: absolute;
  bottom: 10px;
  left: 12px;
  background: rgba(10, 37, 64, 0.88);
  color: #FFFFFF;
  padding: 0.3rem 0.7rem;
  border-radius: var(--sawa-radius-sm);
  font-size: 0.725rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  backdrop-filter: blur(4px);
  border: 1px solid rgba(255, 255, 255, 0.2);
}

.sawa-hero-card__body {
  padding: 1.5rem 1.75rem 1.75rem 1.75rem;
}

.sawa-hero-card__header {
  border-bottom: 1px solid var(--sawa-border);
  padding-bottom: 1rem;
  margin-bottom: 1.25rem;
}

.sawa-hero-card__badge {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--sawa-blue-primary);
  background: var(--sawa-blue-light);
  padding: 0.25rem 0.6rem;
  border-radius: var(--sawa-radius-sm);
  margin-bottom: 0.5rem;
}

.sawa-hero-card__title {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--sawa-navy);
}

.sawa-hero-card__list {
  list-style: none;
  margin-bottom: 1.5rem;
}

.sawa-hero-card__item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  margin-bottom: 0.85rem;
  font-size: 0.925rem;
}

.sawa-hero-card__item:last-child {
  margin-bottom: 0;
}

.sawa-hero-card__icon {
  color: var(--sawa-green);
  flex-shrink: 0;
  margin-top: 0.15rem;
}

.sawa-hero-card__momo-banner {
  background-color: #FEF3C7;
  border: 1px solid #FCD34D;
  border-radius: var(--sawa-radius-md);
  padding: 1rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-top: 1.25rem;
}

.sawa-hero-card__momo-label {
  font-size: 0.8rem;
  font-weight: 700;
  color: #78350F;
  text-transform: uppercase;
}

.sawa-hero-card__momo-code {
  font-family: var(--sawa-font-mono);
  font-size: 1.35rem;
  font-weight: 800;
  color: #92400E;
  letter-spacing: 0.05em;
}

.sawa-hero-pillars {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.5rem;
  text-align: center;
  background: #F8FAFC;
  border: 1px solid #E2E8F0;
  border-radius: var(--sawa-radius-sm);
  padding: 0.6rem 0.4rem;
  margin-bottom: 1.25rem;
}

.sawa-hero-pillar {
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--sawa-navy);
}

.sawa-hero-pillar--mid {
  border-left: 1px solid #CBD5E1;
  border-right: 1px solid #CBD5E1;
}

/* ==========================================================================
   Trust / Stats Bar
   ========================================================================== */
.sawa-trust-bar {
  background-color: var(--sawa-navy);
  color: var(--sawa-white);
  padding: 2.25rem 0;
}

.sawa-trust-bar__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
}

.sawa-trust-bar__col {
  border-left: 2px solid rgba(255, 255, 255, 0.15);
  padding-left: 1.25rem;
}

.sawa-trust-bar__title {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--sawa-white);
  margin-bottom: 0.25rem;
}

.sawa-trust-bar__desc {
  font-size: 0.85rem;
  color: #94A3B8;
  line-height: 1.4;
  margin: 0;
}

/* ==========================================================================
   About Spotlight & Pillars
   ========================================================================== */
.sawa-about-spotlight {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
  margin-bottom: 3.5rem;
}

.sawa-about-spotlight__media {
  position: relative;
  border-radius: var(--sawa-radius-lg);
  overflow: hidden;
  box-shadow: var(--sawa-shadow-md);
  border: 1px solid var(--sawa-border);
}

.sawa-about-spotlight__img {
  width: 100%;
  height: 380px;
  object-fit: cover;
  display: block;
}

.sawa-about-badges {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-top: 1.5rem;
}

.sawa-about-badge {
  background: #F8FAFC;
  border-left: 3px solid #034EA2;
  padding: 0.75rem 1rem;
  border-radius: 0 var(--sawa-radius-sm) var(--sawa-radius-sm) 0;
}

.sawa-about-badge--green {
  border-left-color: #059669;
}

.sawa-about-badge__val {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--sawa-navy);
}

.sawa-about-badge__lbl {
  font-size: 0.8rem;
  color: var(--sawa-text-muted);
}

.sawa-about-pillars {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.sawa-about-card {
  background: var(--sawa-white);
  border: 1px solid var(--sawa-border);
  border-radius: var(--sawa-radius-md);
  padding: 2rem;
}

.sawa-about-card__icon {
  width: 44px;
  height: 44px;
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
}

.sawa-about-card__icon--blue {
  background: #EBF3FC;
  color: #034EA2;
}

.sawa-about-card__icon--green {
  background: #ECFDF5;
  color: #059669;
}

.sawa-about-card__icon--amber {
  background: #FFFBEB;
  color: #D97706;
}

.sawa-about-card__title {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--sawa-navy);
  margin-bottom: 0.75rem;
}

.sawa-about-card__desc {
  font-size: 0.925rem;
  color: var(--sawa-text-body);
  line-height: 1.6;
  margin: 0;
}

/* ==========================================================================
   Loan Products
   ========================================================================== */
.sawa-products-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 2.5rem;
  align-items: stretch;
}

.sawa-product-card {
  background: var(--sawa-white);
  border: 1px solid var(--sawa-border);
  border-radius: var(--sawa-radius-lg);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  box-shadow: var(--sawa-shadow-card);
  transition: var(--sawa-transition);
  position: relative;
}

.sawa-product-card:hover {
  box-shadow: var(--sawa-shadow-card-hover);
  transform: translateY(-2px);
}

.sawa-product-card--featured {
  border-top: 4px solid var(--sawa-blue-primary);
}

.sawa-product-card__thumb {
  position: relative;
  width: 100%;
  height: 200px;
  overflow: hidden;
  background: #0A2540;
}

.sawa-product-card__img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.4s ease;
}

.sawa-product-card:hover .sawa-product-card__img {
  transform: scale(1.03);
}

.sawa-product-card__content {
  padding: 2rem 2.25rem 2.25rem 2.25rem;
  display: flex;
  flex-direction: column;
  flex: 1;
}

.sawa-product-card__tag {
  align-self: flex-start;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  padding: 0.3rem 0.75rem;
  border-radius: 9999px;
  background-color: var(--sawa-blue-light);
  color: var(--sawa-blue-primary);
  margin-bottom: 1.25rem;
}

.sawa-product-card__title {
  font-size: 1.75rem;
  font-weight: 800;
  color: var(--sawa-navy);
  margin-bottom: 0.75rem;
}

.sawa-product-card__desc {
  font-size: 1rem;
  color: var(--sawa-text-body);
  line-height: 1.6;
  margin-bottom: 1.75rem;
  min-height: 50px;
}

.sawa-product-card__checklist-box {
  background-color: var(--sawa-bg-subtle);
  border: 1px solid var(--sawa-border);
  border-radius: var(--sawa-radius-md);
  padding: 1.5rem;
  margin-bottom: 2rem;
  flex-grow: 1;
}

.sawa-product-card__checklist-title {
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--sawa-text-dark);
  margin-bottom: 1rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.sawa-checklist {
  list-style: none;
}

.sawa-checklist__item {
  display: flex;
  align-items: flex-start;
  gap: 0.65rem;
  font-size: 0.925rem;
  color: var(--sawa-text-body);
  margin-bottom: 0.75rem;
  line-height: 1.45;
}

.sawa-checklist__item:last-child {
  margin-bottom: 0;
}

.sawa-checklist__icon {
  color: var(--sawa-blue-primary);
  flex-shrink: 0;
  margin-top: 0.15rem;
}

.sawa-product-card__footer {
  margin-top: auto;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.sawa-product-card__note {
  font-size: 0.8rem;
  color: var(--sawa-text-muted);
  text-align: center;
}

/* ==========================================================================
   Loan Calculator (Institutional Utility)
   ========================================================================== */
.sawa-calculator-card {
  background: var(--sawa-white);
  border: 1px solid var(--sawa-border);
  border-radius: var(--sawa-radius-lg);
  padding: 2.5rem;
  box-shadow: var(--sawa-shadow-md);
  max-width: 900px;
  margin: 0 auto;
}

.sawa-calculator-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 2.5rem;
  align-items: center;
}

.sawa-calc-group {
  margin-bottom: 1.75rem;
}

.sawa-calc-group:last-child {
  margin-bottom: 0;
}

.sawa-calc-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 0.75rem;
}

.sawa-calc-label {
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--sawa-navy);
}

.sawa-calc-value {
  font-family: var(--sawa-font-mono);
  font-weight: 800;
  font-size: 1.25rem;
  color: var(--sawa-blue-primary);
}

.sawa-slider {
  width: 100%;
  height: 8px;
  border-radius: 4px;
  background: var(--sawa-border);
  outline: none;
  accent-color: var(--sawa-blue-primary);
  cursor: pointer;
}

.sawa-calc-ranges {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  color: var(--sawa-text-muted);
  margin-top: 0.35rem;
}

.sawa-calc-summary {
  background: var(--sawa-navy);
  color: var(--sawa-white);
  border-radius: var(--sawa-radius-md);
  padding: 2rem;
  display: flex;
  flex-direction: column;
}

.sawa-calc-summary__title {
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: #93C5FD;
  margin-bottom: 0.5rem;
}

.sawa-calc-summary__amount {
  font-size: 2.25rem;
  font-weight: 800;
  color: var(--sawa-white);
  line-height: 1.1;
  margin-bottom: 0.25rem;
}

.sawa-calc-summary__period {
  font-size: 0.8rem;
  color: #94A3B8;
  margin-bottom: 1.5rem;
  padding-bottom: 1.25rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.15);
}

.sawa-calc-summary__row {
  display: flex;
  justify-content: space-between;
  font-size: 0.875rem;
  margin-bottom: 0.75rem;
  color: #CBD5E1;
}

.sawa-calc-summary__row strong {
  color: var(--sawa-white);
}

/* ==========================================================================
   6-Step Application Process ("How to Apply")
   ========================================================================== */
.sawa-steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  position: relative;
}

.sawa-step-card {
  background: var(--sawa-white);
  border: 1px solid var(--sawa-border);
  border-radius: var(--sawa-radius-lg);
  padding: 2.25rem 1.75rem;
  position: relative;
  transition: var(--sawa-transition);
}

.sawa-step-card:hover {
  border-color: var(--sawa-blue-primary);
  box-shadow: var(--sawa-shadow-md);
  transform: translateY(-3px);
}

.sawa-step-card__num {
  width: 48px;
  height: 48px;
  border-radius: var(--sawa-radius-sm);
  background-color: var(--sawa-navy);
  color: var(--sawa-white);
  font-size: 1.25rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.5rem;
}

.sawa-step-card:nth-child(even) .sawa-step-card__num {
  background-color: var(--sawa-blue-primary);
}

.sawa-step-card__title {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--sawa-navy);
  margin-bottom: 0.75rem;
}

.sawa-step-card__desc {
  font-size: 0.925rem;
  color: var(--sawa-text-body);
  line-height: 1.55;
  margin: 0;
}

/* ==========================================================================
   MomoPay & Direct Payment Banner
   ========================================================================== */
.sawa-momo-banner {
  background: linear-gradient(135deg, #1E293B 0%, #0F172A 100%);
  border: 1px solid #334155;
  border-radius: var(--sawa-radius-xl);
  padding: 3rem 2.5rem;
  color: var(--sawa-white);
}

.sawa-momo-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 3rem;
  align-items: center;
}

.sawa-momo-info__tag {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background-color: #FFCC00;
  color: #111827;
  font-weight: 800;
  font-size: 0.8rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  padding: 0.35rem 0.85rem;
  border-radius: 9999px;
  margin-bottom: 1.25rem;
}

.sawa-momo-info__title {
  color: var(--sawa-white);
  font-size: 2rem;
  font-weight: 800;
  margin-bottom: 1rem;
}

.sawa-momo-info__desc {
  color: #CBD5E1;
  font-size: 1rem;
  line-height: 1.6;
  margin-bottom: 1.5rem;
}

.sawa-momo-card {
  background-color: #0A2540;
  border: 2px solid #3B82F6;
  border-radius: var(--sawa-radius-lg);
  padding: 2rem;
  text-align: center;
  box-shadow: 0 20px 25px -5px rgba(0, 0, 0, 0.3);
}

.sawa-momo-card__label {
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #93C5FD;
  margin-bottom: 0.5rem;
  font-weight: 700;
}

.sawa-momo-card__code {
  font-family: var(--sawa-font-mono);
  font-size: 3.5rem;
  font-weight: 900;
  color: #FFCC00;
  letter-spacing: 0.08em;
  line-height: 1;
  margin-bottom: 1rem;
}

.sawa-momo-card__dial {
  background-color: rgba(255, 255, 255, 0.1);
  border-radius: var(--sawa-radius-sm);
  padding: 0.6rem 1rem;
  font-family: var(--sawa-font-mono);
  font-size: 0.95rem;
  color: #FFFFFF;
  margin-bottom: 1.25rem;
  display: inline-block;
}

.sawa-momo-steps {
  list-style: none;
  text-align: left;
  font-size: 0.85rem;
  color: #CBD5E1;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  padding-top: 1rem;
}

.sawa-momo-steps li {
  margin-bottom: 0.35rem;
  display: flex;
  gap: 0.5rem;
}

/* ==========================================================================
   Direct Contact & Office Details
   ========================================================================== */
.sawa-contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.15fr;
  gap: 3.5rem;
  align-items: start;
}

.sawa-contact-cards {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.sawa-contact-card {
  background: var(--sawa-white);
  border: 1px solid var(--sawa-border);
  border-radius: var(--sawa-radius-md);
  padding: 1.5rem;
  display: flex;
  gap: 1.25rem;
  transition: var(--sawa-transition);
}

.sawa-contact-card:hover {
  border-color: var(--sawa-blue-primary);
  box-shadow: var(--sawa-shadow-sm);
}

.sawa-contact-card__icon-wrap {
  width: 48px;
  height: 48px;
  border-radius: var(--sawa-radius-sm);
  background-color: var(--sawa-blue-light);
  color: var(--sawa-blue-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.sawa-contact-card__title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--sawa-navy);
  margin-bottom: 0.25rem;
}

.sawa-contact-card__val {
  font-size: 0.95rem;
  color: var(--sawa-text-body);
  margin-bottom: 0.25rem;
  line-height: 1.45;
}

.sawa-contact-card__sub {
  font-size: 0.8rem;
  color: var(--sawa-text-muted);
}

/* Contact / Inquiry Form */
.sawa-form-box {
  background: var(--sawa-white);
  border: 1px solid var(--sawa-border);
  border-radius: var(--sawa-radius-lg);
  padding: 2.5rem;
  box-shadow: var(--sawa-shadow-md);
}

.sawa-form-group {
  margin-bottom: 1.25rem;
}

.sawa-form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

.sawa-label {
  display: block;
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--sawa-navy);
  margin-bottom: 0.4rem;
}

.sawa-label__req {
  color: #DC2626;
}

.sawa-input,
.sawa-select,
.sawa-textarea {
  width: 100%;
  padding: 0.75rem 1rem;
  font-family: var(--sawa-font-sans);
  font-size: 0.95rem;
  color: var(--sawa-text-dark);
  background-color: #FFFFFF;
  border: 1px solid var(--sawa-border-strong);
  border-radius: var(--sawa-radius-sm);
  transition: var(--sawa-transition);
}

.sawa-input:focus,
.sawa-select:focus,
.sawa-textarea:focus {
  outline: none;
  border-color: var(--sawa-blue-primary);
  box-shadow: 0 0 0 3px rgba(3, 78, 162, 0.15);
}

.sawa-form-status {
  padding: 1rem;
  border-radius: var(--sawa-radius-sm);
  margin-bottom: 1.25rem;
  font-size: 0.9rem;
  display: none;
}

.sawa-form-status--success {
  background-color: var(--sawa-green-bg);
  border: 1px solid var(--sawa-green-border);
  color: var(--sawa-green);
  display: block;
}

.sawa-form-status--error {
  background-color: #FEF2F2;
  border: 1px solid #FECACA;
  color: #DC2626;
  display: block;
}

/* ==========================================================================
   Corporate Footer
   ========================================================================== */
.sawa-footer {
  background-color: #07192C;
  color: #94A3B8;
  padding-top: 4.5rem;
  padding-bottom: 2rem;
  border-top: 1px solid #1E293B;
}

.sawa-footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
  gap: 3rem;
  margin-bottom: 3.5rem;
}

.sawa-footer__title {
  color: var(--sawa-white);
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 1.25rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.sawa-footer__brand-desc {
  font-size: 0.9rem;
  line-height: 1.6;
  color: #94A3B8;
  margin-bottom: 1.25rem;
}

.sawa-footer__motto {
  display: inline-block;
  font-size: 0.85rem;
  font-weight: 700;
  color: #60A5FA;
  background: rgba(96, 165, 250, 0.1);
  padding: 0.4rem 0.8rem;
  border-radius: var(--sawa-radius-sm);
  border-left: 3px solid #3B82F6;
}

.sawa-footer__links {
  list-style: none;
}

.sawa-footer__link-item {
  margin-bottom: 0.65rem;
}

.sawa-footer__link {
  color: #CBD5E1;
  font-size: 0.9rem;
  transition: var(--sawa-transition);
}

.sawa-footer__link:hover {
  color: var(--sawa-white);
  padding-left: 4px;
}

.sawa-footer__bottom {
  padding-top: 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.825rem;
  color: #64748B;
}

/* ==========================================================================
   Modal Dialog (Apply Online)
   ========================================================================== */
.sawa-modal-backdrop {
  position: fixed;
  inset: 0;
  background-color: rgba(10, 37, 64, 0.7);
  backdrop-filter: blur(4px);
  z-index: 1000;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 1.5rem;
}

.sawa-modal-backdrop.is-active {
  display: flex;
}

.sawa-modal {
  background: var(--sawa-white);
  border-radius: var(--sawa-radius-lg);
  max-width: 600px;
  width: 100%;
  max-height: 90vh;
  overflow-y: auto;
  box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.25);
  position: relative;
  animation: modalFadeIn 0.2s ease-out;
}

@keyframes modalFadeIn {
  from { opacity: 0; transform: scale(0.96) translateY(10px); }
  to { opacity: 1; transform: scale(1) translateY(0); }
}

.sawa-modal__header {
  padding: 1.75rem 2rem;
  border-bottom: 1px solid var(--sawa-border);
  display: flex;
  justify-content: space-between;
  align-items: center;
  background-color: var(--sawa-bg-subtle);
}

.sawa-modal__close {
  background: none;
  border: none;
  font-size: 1.5rem;
  color: var(--sawa-text-muted);
  cursor: pointer;
  padding: 0.25rem;
  line-height: 1;
}

.sawa-modal__close:hover {
  color: var(--sawa-navy);
}

.sawa-modal__body {
  padding: 2rem;
}

/* Floating WhatsApp Button */
.sawa-floating-wa {
  position: fixed;
  bottom: 24px;
  right: 24px;
  z-index: 90;
  background-color: #25D366;
  color: #FFFFFF;
  border-radius: 9999px;
  padding: 0.75rem 1.25rem;
  font-weight: 700;
  font-size: 0.9rem;
  display: flex;
  align-items: center;
  gap: 0.6rem;
  box-shadow: 0 10px 15px -3px rgba(0, 0, 0, 0.2);
  text-decoration: none;
  transition: var(--sawa-transition);
}

.sawa-floating-wa:hover {
  background-color: #20BA5A;
  color: #FFFFFF;
  transform: translateY(-2px);
  box-shadow: 0 14px 20px -3px rgba(0, 0, 0, 0.25);
}

/* ==========================================================================
   Responsive Breakpoints
   ========================================================================== */
@media (min-width: 1025px) and (max-width: 1200px) {
  .sawa-nav {
    margin-right: 1.25rem;
  }
  .sawa-nav__list {
    gap: 0.85rem;
  }
  .sawa-nav__link {
    font-size: 0.8125rem;
  }
  .sawa-btn--sm {
    padding: 0.45rem 0.75rem;
    font-size: 0.8125rem;
  }
}

/* Tablet & Smaller Desktops (1024px and below) */
@media (max-width: 1024px) {
  .sawa-topbar__list {
    display: none;
  }
  
  .sawa-topbar__inner {
    justify-content: center;
    padding: 0.4rem 0;
  }

  .sawa-header__inner {
    gap: 1rem;
  }

  .sawa-nav {
    position: fixed;
    top: var(--sawa-header-height);
    left: 0;
    right: 0;
    width: 100%;
    max-height: calc(100vh - var(--sawa-header-height));
    overflow-y: auto;
    background: var(--sawa-white);
    border-bottom: 1px solid var(--sawa-border);
    padding: 1.5rem;
    display: none;
    box-shadow: var(--sawa-shadow-lg);
    margin: 0;
    z-index: 99;
  }

  .sawa-nav.is-open {
    display: block;
  }

  .sawa-nav__list {
    flex-direction: column;
    align-items: stretch;
    gap: 0;
  }

  .sawa-nav__link {
    display: block;
    padding: 0.85rem 0;
    border-bottom: 1px solid var(--sawa-border);
    font-size: 1rem;
  }

  .sawa-nav__link::after {
    display: none;
  }

  .sawa-nav__mobile-actions {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
    margin-top: 1.25rem;
    padding-top: 1.25rem;
    border-top: 1px solid var(--sawa-border);
  }

  .sawa-mobile-toggle {
    display: inline-flex;
  }

  .sawa-about-spotlight {
    grid-template-columns: 1fr;
    gap: 2rem;
    margin-bottom: 2.5rem;
  }

  .sawa-about-spotlight__img {
    height: 280px;
  }

  .sawa-about-pillars {
    grid-template-columns: 1fr;
    gap: 1.25rem;
  }

  .sawa-hero__grid {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }

  .sawa-trust-bar__grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 1.5rem;
  }

  .sawa-products-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .sawa-calculator-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .sawa-steps-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 1.5rem;
  }

  .sawa-momo-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .sawa-contact-grid {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }

  .sawa-footer-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 2rem;
  }
}

/* Mobile Devices (768px and below) */
@media (max-width: 768px) {
  :root {
    --sawa-header-height: 68px;
  }

  .sawa-container {
    padding-left: 1.25rem;
    padding-right: 1.25rem;
  }

  .sawa-section {
    padding-top: 3.5rem;
    padding-bottom: 3.5rem;
  }

  .sawa-section-header {
    margin-bottom: 2.25rem;
  }

  /* Header on Mobile: Zero blow-out */
  .sawa-header__inner {
    height: var(--sawa-header-height);
    gap: 0.5rem;
  }

  .sawa-brand {
    gap: 0.6rem;
  }

  .sawa-brand__img-logo {
    width: 38px;
    height: 38px;
  }

  .sawa-brand__title {
    font-size: 1.05rem;
  }

  .sawa-brand__tagline {
    font-size: 0.65rem;
  }

  .sawa-header__actions {
    gap: 0.5rem;
  }

  /* Hide the Apply Online button from the top header bar on mobile */
  .sawa-header__actions .js-open-apply-modal {
    display: none;
  }

  .sawa-btn--whatsapp.sawa-btn--sm {
    padding: 0.45rem 0.75rem;
    font-size: 0.8125rem;
  }

  .sawa-mobile-toggle {
    padding: 0.4rem;
  }

  .sawa-hero {
    padding-top: 2.5rem;
    padding-bottom: 3rem;
  }

  .sawa-hero__ctas {
    flex-direction: column;
    align-items: stretch;
    gap: 0.75rem;
    margin-bottom: 2rem;
  }

  .sawa-hero__ctas .sawa-btn {
    width: 100%;
    text-align: center;
  }

  .sawa-hero__trust-strip {
    grid-template-columns: repeat(3, 1fr);
    gap: 0.5rem;
    padding-top: 1.25rem;
    text-align: center;
  }

  .sawa-hero__trust-stat {
    font-size: 1.1rem;
  }

  .sawa-hero__trust-label {
    font-size: 0.7rem;
  }

  .sawa-hero-card__body {
    padding: 1.25rem;
  }

  .sawa-hero-card__media {
    height: 170px;
  }

  .sawa-trust-bar {
    padding: 2rem 0;
  }

  .sawa-trust-bar__grid {
    grid-template-columns: 1fr;
    gap: 1.25rem;
  }

  .sawa-trust-bar__col {
    padding-left: 1rem;
    border-left-width: 3px;
    border-left-color: var(--sawa-blue-accent);
  }

  .sawa-about-spotlight__img {
    height: 220px;
  }

  .sawa-about-card {
    padding: 1.5rem;
  }

  .sawa-product-card__thumb {
    height: 180px;
  }

  .sawa-product-card__content {
    padding: 1.5rem 1.25rem;
  }

  .sawa-product-card__title {
    font-size: 1.4rem;
  }

  .sawa-product-card__checklist-box {
    padding: 1.25rem;
  }

  .sawa-calculator-card {
    padding: 1.5rem 1.25rem;
  }

  .sawa-calc-summary {
    padding: 1.5rem 1.25rem;
  }

  .sawa-calc-summary__amount {
    font-size: 1.85rem;
  }

  .sawa-steps-grid {
    grid-template-columns: 1fr;
    gap: 1rem;
  }

  .sawa-step-card {
    padding: 1.5rem 1.25rem;
  }

  .sawa-momo-banner {
    padding: 2rem 1.25rem;
  }

  .sawa-momo-info__title {
    font-size: 1.6rem;
  }

  .sawa-momo-card__code {
    font-size: 2.75rem;
  }

  .sawa-form-box {
    padding: 1.75rem 1.25rem;
  }

  .sawa-form-row {
    grid-template-columns: 1fr;
  }

  .sawa-footer-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .sawa-footer__bottom {
    flex-direction: column;
    gap: 0.75rem;
    text-align: center;
  }

  .sawa-floating-wa {
    bottom: 16px;
    right: 16px;
    padding: 0.6rem 1rem;
    font-size: 0.8125rem;
  }
}

/* Small Smart Phones (e.g. Galaxy A52, iPhone SE, 360px-412px) */
@media (max-width: 480px) {
  .sawa-container {
    padding-left: 1rem;
    padding-right: 1rem;
  }

  .sawa-brand__text {
    max-width: 120px;
  }

  .sawa-brand__title {
    font-size: 0.95rem;
  }

  .sawa-brand__tagline {
    font-size: 0.6rem;
  }

  .sawa-hero-pillars {
    grid-template-columns: repeat(3, 1fr);
    font-size: 0.68rem;
    padding: 0.5rem 0.25rem;
  }

  .sawa-about-badges {
    grid-template-columns: 1fr;
  }

  .sawa-hero__trust-strip {
    gap: 0.35rem;
  }

  .sawa-hero__trust-stat {
    font-size: 1rem;
  }

  .sawa-hero__trust-label {
    font-size: 0.65rem;
  }

  .sawa-momo-card__dial {
    font-size: 0.8rem;
    padding: 0.45rem 0.6rem;
  }

  .sawa-modal {
    margin: 0.75rem;
  }

  .sawa-modal__header,
  .sawa-modal__body {
    padding: 1.25rem;
  }
}